Providing Trusted Bankruptcy Representation Throughout Kentucky

If you are facing a financial hardship, you may wonder what the best option is to get back on your feet. Declaring bankruptcy can allow people to resolve their financial issues more efficiently, allowing them to move forward with their lives.

At The Law Office of Fred Simon, I help individuals and families throughout Kentucky navigate the bankruptcy process. I take the time to help you carefully search for all of your creditors and debts to create a plan that can help you work toward achieving a debt-free life. Call my office today at 502-498-8289 to schedule a free initial phone consultation to discuss your situation.

Chapter 7 And Chapter 13 Bankruptcy Representation

There are two primary methods people can use to declare bankruptcy: Chapter 7 and Chapter 13. I am experienced in helping people identify which type of bankruptcy may be best for their needs.

Chapter 7: This type of bankruptcy is also referred to as liquidation. When declaring Chapter 7 bankruptcy, consumers are able to liquidate unsecured debt, including consumer, medical and personal loans. Chapter 7 is a means-tested program and not all people may be eligible.

Chapter 13: Chapter 13 bankruptcy entails creating a repayment plan for individuals. These payment plans typically last up to five years, allowing people to repay a portion of their debts up to 100% of their creditors. After that time, unpaid debts are typically discharged.

Stop The Harassing Phone Calls From Debt Collectors

Working with a bankruptcy lawyer means partnering with someone who will advocate on your behalf to protect your assets and immediately stop the harassing phone calls from creditors.

Additional benefits of declaring bankruptcy may include:

Get a fresh start: Bankruptcy allows you to discharge certain debts, allowing you to move forward with a clean financial slate more quickly.

Keep your home and your car: While bankruptcy may not eliminate mortgage or auto debt, it will allow you to catch up on your payments, preventing the repossession of your car and the foreclosure sale of your home.

Don't Face Financial Hardship Alone

A challenging financial situation does not have to be permanent. Contact my Louisville office today to speak with an experienced bankruptcy attorney that will focus on your case.

Speak With Attorney Fred Simon

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